It would be third person objective im more than sure. hopefully i helped :)<span />
<span>D. instructive
This passage does a good job describing the way that credit cards work and mentioning the fact that many people don't actually know this. It's a good resource for someone thinking about getting a credit card if they're not completely prepared for the challenges it presents. </span>
13 is personification and
14 is a simile
D. knee has a silent letter because you don't pronounce the k